Neilrey Ochoa is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Roohi Darugar is a financial advisor at LPL Financial with 23 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2018. Prior to that, she spent eight years with Waddell and Reed, Inc. and various insurance carriers associated with W & R Insurance Agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual clients, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

John Johnson is a financial advisor with Charles Schwab who holds the Series 63 and Series 66 designations and has 33 years of industry experience. He has worked at Charles Schwab since 2003 and at Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios, with centralized custody and operational support.

Scott Sims is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Bank of America and Merrill Lynch since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Dimino is a CFP®-designated financial advisor at Stifel with 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he serves as a ski instructor at Big Bear Mountain Resort, teaching children to ski. Stifel serves a diverse client base, including individuals, institutional investors, and municipal entities, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology through its Investment Strategy Group to provide capital market analysis and asset allocation guidance.

Julia Tutarinova is a Series 66-licensed financial advisor with Wells Fargo Clearing in San Diego, CA. She has six years of industry experience, all with Wells Fargo Clearing since 2018 following a six-year employment gap. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, using an IPS-driven approach grounded in modern portfolio theory. The firm offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking.

Lorna Louie is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has previously worked at JPMorgan Chase Bank, Keller Williams San Francisco, and Rodrigo P Feliciano. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Nic Trounce is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding Series 65 and Series 63 licenses and having six years of industry experience. His prior experience includes roles at E*TRADE Securities LLC and Globaltranz/Apex Logistics. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves clients through various advisory and brokerage services.

Rosanne Muschenheim is a financial advisor at Morgan Stanley with a Series 66 designation and over a decade of experience in the industry. Her prior work includes roles at Bessemer Trust Company, Coastal Legacies APC, and several law firms. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning using firm-approved tools and methodologies.

Anjanie Sriram is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing thirteen years of industry experience. She has been with JPMorgan Securities LLC since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Craig Danker is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 35 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Outside of his advisory role, he has involvement in rental property management jointly owned with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Kelly S. Garton is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He serves as the senior member of The Garton Group, a Merrill Lynch Wealth Management team based in San Diego, California. Kelly's client base includes high-net-worth individuals and families, professional athletes, pension funds, endowments, foundations, corporations, and not-for-profit organizations. Kelly began his career in 1989 as a Financial Representative with Fidelity Investments and joined Merrill Lynch Wealth Management in 1993. He has over 35 years of experience in the financial services industry, with a primary focus on wealth management strategies for affluent individuals and organizations. He has been recognized nationally, having been named to Forbes' "Best-in-State Wealth Advisors" list for eight consecutive years as of 2026. He earned a Bachelor of Arts degree in Business Finance from the University of Utah's David Eccles School of Business. Kelly holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), and CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®). He is also involved in community activities, including associations with The Kyoto Symposium Organization and The Monarch School San Diego. Kelly resides in San Diego with his wife and three children and has personal interests in skiing, snowboarding, running, mountain biking, biking, genealogy, hiking, racquetball, table tennis, and watching movies.

David Frederiksen is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at Morgan Stanley Smith Barney LLC and T. Rowe Price Investment Services Inc. Frederiksen also has experience in higher education, having taught at Towson University and the Community College of Baltimore County. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Timothy Shea is a CFP® certified financial advisor with 33 years of industry experience, currently with LPL Financial since 2020. He has also been affiliated with Lucia Securities, LLC and Lucia Capital Group since 2011 and 2010, respectively. LPL Financial is a registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Steven Trifoglio is a financial advisor with UBS Financial Services, holding a Series 66 designation and 29 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Michael Frey is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2022 to 2025. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside a formal alternative investment onboarding process.

James Provencher is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Sagepoint Financial and MTS Financial. In addition to his advisory work, he is a self-employed estate planning attorney and serves as Board Chair of the Noah's Ark Angel Foundation, a California nonprofit organization. OSAIC serves a diverse client base ranging from individual investors to institutions, providing integrated brokerage, advisory services, and access to multiple advisory platforms. The firm employs asset-allocation tools and automated portfolio rebalancing to manage a wide range of investment products across discretionary and non-discretionary accounts.

Ryan Coleman is a financial advisor with Edward Jones in Vista, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Elizabeth Messick is a financial advisor at Morgan Stanley with 36 years of industry experience. She has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she has an ownership interest in Villa Klara Retirement Center in La Costa, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Itamar Erster is a Financial Advisor specializing in wealth management at Merrill Lynch Wealth Management. He has been building his career in financial services since 2018, focusing on helping clients achieve their financial goals through personalized strategies. His client focus areas include education planning, family wealth management, retirement planning, portfolio management, tax minimization, and legacy planning. In his role, Itamar also connects clients to Bank of America specialists for banking, credit, home financing, and small business solutions. Itamar was raised near Los Angeles by Israeli immigrant parents and developed a strong foundation of determination and resilience. He pursued higher education at Sonoma State University, where he earned a bachelor's degree with a double concentration in Financial Management and Marketing, graduating Magna Cum Laude. During college, he took on leadership roles in the Phi Delta Theta Fraternity, including Treasurer and Scholarship Chair. Itamar holds several professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional work, Itamar enjoys spending time with his family and friends, playing basketball, hiking, traveling, and listening to music. He is involved in community service through the Phi Delta Theta Fraternity's Philanthropy Committee. He is bilingual in English and Hebrew.